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Average cost of car insurance in Kansas for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Kansas?
When exploring car insurance options in Kansas, it's helpful to compare your rates with the state average. Kansas car insurance rates are generally more affordable than the national average. The state's average annual premium is approximately $625 for minimum coverage and $2,552 for full coverage. In contrast, the U.S. averages are around $678 and $2,458 respectively.
Although Bankrate found Kansas to be the sixth-worst state for tornadoes, the lower rates Kansas drivers experience could be influenced by its less dense population, which potentially leads to fewer road accidents and insurance claims.
Key takeaways
- The average cost of car insurance in Kansas per month is $52 for minimum coverage, while full coverage is an average of $213 a month.
- Kansas' average full coverage premium is about 6 percent more than the national average rate. Minimum coverage in Kansas fares even better, at 8 percent less than the national average.
- Kansas City has the most expensive average car insurance rates of all the cities we analyzed, with an average annual full coverage rate of $2,882. A minimum coverage policy here averages $755 per year.
- Kansas drivers convicted of a DUI pay 69 percent more on average for full coverage car insurance than a driver with a clean record.
What would you like to do today?
Kansas car insurance rates by city
The average car insurance cost in Kansas may depend on where you live. Car insurance companies in Kansas can use your ZIP code as a rating factor when determining your premium, meaning average rates may vary from city to city. Generally, rates are higher in urban areas because of the higher risk associated with driving on congested roads. However, your ZIP code is only one of many car insurance rating factors. As such, you could be paying more or less than the averages shown in the cities below:
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Topeka | $211 | $2,530 | -1% |
| Columbus | $222 | $2,664 | +4% |
| Crestline | $221 | $2,649 | +4% |
| Quenemo | $209 | $2,510 | -2% |
| Vassar | $207 | $2,488 | -3% |
| Treece | $221 | $2,651 | +4% |
| West Mineral | $242 | $2,906 | +13% |
| Americus | $206 | $2,470 | -3% |
| Burns | $212 | $2,547 | -0% |
| Overbrook | $203 | $2,437 | -5% |
| Silver Lake | $201 | $2,415 | -6% |
| Waterville | $213 | $2,551 | -0% |
| Garland | $218 | $2,615 | +2% |
| Hepler | $219 | $2,631 | +3% |
| Humboldt | $210 | $2,515 | -1% |
| Mapleton | $220 | $2,636 | +3% |
| Overland Park | $198 | $2,373 | -7% |
| Shawnee | $198 | $2,371 | -7% |
| Bremen | $209 | $2,514 | -2% |
| Leonardville | $198 | $2,371 | -7% |
| Osage City | $207 | $2,485 | -3% |
| Riley | $197 | $2,363 | -8% |
| Summerfield | $208 | $2,497 | -2% |
| Westmoreland | $207 | $2,483 | -3% |
| Randolph | $196 | $2,349 | -8% |
| Arcadia | $220 | $2,637 | +3% |
| Fulton | $221 | $2,650 | +4% |
| Mulberry | $220 | $2,643 | +3% |
| Piqua | $210 | $2,517 | -1% |
| Tecumseh | $205 | $2,455 | -4% |
| Altoona | $210 | $2,514 | -2% |
| Wichita | $224 | $2,687 | +5% |
| Elk City | $221 | $2,649 | +4% |
| Oswego | $219 | $2,628 | +3% |
| Peru | $211 | $2,531 | -1% |
| Bennington | $203 | $2,431 | -5% |
| Chapman | $203 | $2,432 | -5% |
| Glasco | $222 | $2,669 | +4% |
| Lincoln | $223 | $2,678 | +5% |
| Baxter Springs | $222 | $2,667 | +4% |
| Benedict | $210 | $2,522 | -1% |
| Moline | $212 | $2,549 | -0% |
| Parsons | $220 | $2,638 | +3% |
| Falun | $196 | $2,356 | -8% |
| Hope | $201 | $2,408 | -6% |
| Kanopolis | $230 | $2,758 | +8% |
| Goodland | $232 | $2,787 | +9% |
| Ludell | $231 | $2,774 | +8% |
| Monument | $229 | $2,747 | +7% |
| Bucklin | $243 | $2,915 | +13% |
| Cimarron | $241 | $2,892 | +12% |
| Englewood | $239 | $2,870 | +12% |
| Ensign | $239 | $2,868 | +12% |
| Jetmore | $241 | $2,894 | +13% |
| Pierceville | $239 | $2,867 | +12% |
| Arma | $217 | $2,605 | +2% |
| Buffalo | $210 | $2,514 | -2% |
| Farlington | $218 | $2,618 | +3% |
| Franklin | $219 | $2,629 | +3% |
| Galesburg | $218 | $2,619 | +3% |
| Hiawatha | $204 | $2,446 | -4% |
| Manhattan | $192 | $2,304 | -10% |
| Morrill | $203 | $2,437 | -5% |
| Plevna | $209 | $2,503 | -2% |
| Agra | $240 | $2,877 | +12% |
| Luray | $216 | $2,594 | +2% |
| Penokee | $231 | $2,777 | +8% |
| Russell | $216 | $2,598 | +2% |
| Schoenchen | $234 | $2,802 | +9% |
| Chautauqua | $233 | $2,799 | +9% |
| Mound Valley | $221 | $2,658 | +4% |
| Sedan | $212 | $2,544 | -0% |
| Abilene | $201 | $2,417 | -5% |
| Brookville | $201 | $2,415 | -6% |
| Geneseo | $229 | $2,751 | +7% |
| Mcpherson | $198 | $2,379 | -7% |
| Gem | $231 | $2,775 | +8% |
| Rexford | $232 | $2,780 | +9% |
| Saint Francis | $234 | $2,813 | +10% |
| Wallace | $230 | $2,762 | +8% |
| Dodge City | $245 | $2,945 | +14% |
| Coolidge | $259 | $3,112 | +20% |
| Manter | $236 | $2,829 | +10% |
| Mcconnell Afb | $220 | $2,638 | +3% |
| Edna | $221 | $2,653 | +4% |
| Niotaze | $212 | $2,546 | -0% |
| Barnard | $221 | $2,658 | +4% |
| Alden | $229 | $2,747 | +7% |
| Garfield | $234 | $2,811 | +10% |
| La Crosse | $233 | $2,797 | +9% |
| Nickerson | $207 | $2,490 | -2% |
| Raymond | $228 | $2,739 | +7% |
| Catharine | $215 | $2,575 | +1% |
| Lucas | $218 | $2,617 | +3% |
| Ogallah | $229 | $2,750 | +7% |
| Prairie View | $239 | $2,873 | +12% |
| Cedar Vale | $212 | $2,544 | -0% |
| Cunningham | $225 | $2,695 | +5% |
| Derby | $213 | $2,558 | +0% |
| Goddard | $213 | $2,560 | +0% |
| Greensburg | $239 | $2,869 | +12% |
| Haysville | $222 | $2,667 | +4% |
| Hillsboro | $204 | $2,448 | -4% |
| Latham | $221 | $2,656 | +4% |
| Maize | $214 | $2,567 | +1% |
| North Newton | $209 | $2,507 | -2% |
| Peck | $217 | $2,606 | +2% |
| Sawyer | $235 | $2,822 | +10% |
| Walton | $211 | $2,527 | -1% |
| Rossville | $200 | $2,398 | -6% |
| Wakarusa | $202 | $2,424 | -5% |
| Chanute | $220 | $2,644 | +4% |
| Mc Cune | $219 | $2,627 | +3% |
| Moran | $210 | $2,523 | -1% |
| Fall River | $222 | $2,665 | +4% |
| Kechi | $216 | $2,590 | +1% |
| Pratt | $233 | $2,795 | +9% |
| Protection | $241 | $2,888 | +12% |
| Hutchinson | $204 | $2,446 | -4% |
| Buhler | $203 | $2,440 | -5% |
| Ellinwood | $231 | $2,772 | +8% |
| Haven | $206 | $2,473 | -3% |
| Hudson | $233 | $2,792 | +9% |
| Lyons | $229 | $2,750 | +7% |
| Otis | $236 | $2,830 | +10% |
| Cedar | $236 | $2,833 | +10% |
| Long Island | $242 | $2,902 | +13% |
| Peabody | $207 | $2,482 | -3% |
| Linn | $217 | $2,600 | +2% |
| Munden | $216 | $2,593 | +2% |
| Anthony | $228 | $2,741 | +7% |
| Bentley | $210 | $2,524 | -1% |
| Goessel | $203 | $2,439 | -5% |
| Hazelton | $232 | $2,790 | +9% |
| Milan | $218 | $2,614 | +2% |
| Hardtner | $234 | $2,814 | +10% |
| Towanda | $221 | $2,656 | +4% |
| Caldwell | $220 | $2,635 | +3% |
| Cheney | $214 | $2,569 | +1% |
| Danville | $228 | $2,735 | +7% |
| El Dorado | $222 | $2,670 | +4% |
| Iuka | $230 | $2,755 | +8% |
| Leon | $221 | $2,649 | +4% |
| Maple City | $217 | $2,600 | +2% |
| Mulvane | $211 | $2,532 | -1% |
| Murdock | $224 | $2,691 | +5% |
| Nashville | $226 | $2,708 | +6% |
| Potwin | $215 | $2,583 | +1% |
| Waldron | $231 | $2,767 | +8% |
| Wellington | $217 | $2,598 | +2% |
| Elsmore | $210 | $2,520 | -1% |
| Erie | $222 | $2,660 | +4% |
| Neosho Falls | $209 | $2,502 | -2% |
| Douglass | $222 | $2,669 | +4% |
| Eureka | $224 | $2,689 | +5% |
| Freeport | $229 | $2,749 | +7% |
| Mullinville | $235 | $2,823 | +10% |
| Sedgwick | $212 | $2,547 | -0% |
| Udall | $215 | $2,586 | +1% |
| Valley Center | $211 | $2,531 | -1% |
| Winfield | $220 | $2,640 | +3% |
| Zenda | $228 | $2,734 | +7% |
| Lenexa | $195 | $2,337 | -9% |
| Auburn | $202 | $2,418 | -5% |
| Axtell | $207 | $2,479 | -3% |
| Belvue | $204 | $2,453 | -4% |
| Home | $209 | $2,513 | -2% |
| Meriden | $209 | $2,506 | -2% |
| Windom | $199 | $2,384 | -7% |
| Alexander | $235 | $2,820 | +10% |
| Kinsley | $238 | $2,852 | +11% |
| Park | $226 | $2,714 | +6% |
| Fowler | $239 | $2,870 | +12% |
| Meade | $240 | $2,874 | +12% |
| Plains | $238 | $2,862 | +11% |
| Syracuse | $240 | $2,882 | +12% |
| Horton | $207 | $2,487 | -3% |
| Hoyt | $213 | $2,550 | -0% |
| Mayetta | $211 | $2,537 | -1% |
| Ogden | $195 | $2,339 | -9% |
| Onaga | $205 | $2,456 | -4% |
| Chetopa | $223 | $2,675 | +5% |
| Dennis | $218 | $2,620 | +3% |
| Canton | $197 | $2,360 | -8% |
| Galva | $196 | $2,356 | -8% |
| Green | $213 | $2,556 | +0% |
| Osborne | $232 | $2,780 | +9% |
| Simpson | $229 | $2,751 | +7% |
| Waldo | $216 | $2,594 | +2% |
| Kismet | $239 | $2,865 | +12% |
| Minneola | $240 | $2,880 | +12% |
| Spearville | $242 | $2,901 | +13% |
| Elkhart | $238 | $2,859 | +11% |
| Walker | $235 | $2,815 | +10% |
| Hoxie | $230 | $2,765 | +8% |
| Kanorado | $233 | $2,801 | +9% |
| Sharon Springs | $231 | $2,773 | +8% |
| Winona | $232 | $2,782 | +9% |
| Lakin | $240 | $2,881 | +12% |
| Kansas City | $240 | $2,882 | +12% |
| Leawood | $199 | $2,389 | -7% |
| Corning | $206 | $2,468 | -3% |
| Lewis | $237 | $2,847 | +11% |
| Partridge | $207 | $2,489 | -3% |
| Sylvia | $211 | $2,532 | -1% |
| Gorham | $217 | $2,604 | +2% |
| Natoma | $231 | $2,775 | +8% |
| Norcatur | $233 | $2,794 | +9% |
| Alma | $208 | $2,501 | -2% |
| Berryton | $203 | $2,440 | -4% |
| Centralia | $204 | $2,444 | -4% |
| Emmett | $205 | $2,463 | -4% |
| Fostoria | $226 | $2,709 | +6% |
| Melvern | $208 | $2,502 | -2% |
| Leoti | $234 | $2,806 | +9% |
| Satanta | $238 | $2,853 | +11% |
| Stilwell | $193 | $2,310 | -10% |
| Troy | $209 | $2,514 | -2% |
| Colby | $228 | $2,739 | +7% |
| Cawker City | $230 | $2,761 | +8% |
| Downs | $232 | $2,781 | +9% |
| Herington | $203 | $2,431 | -5% |
| Lorraine | $231 | $2,768 | +8% |
| Ramona | $205 | $2,462 | -4% |
| Lamont | $245 | $2,936 | +14% |
| Strong City | $211 | $2,527 | -1% |
| Concordia | $218 | $2,615 | +2% |
| Barnes | $213 | $2,560 | +0% |
| Haddam | $215 | $2,579 | +1% |
| Beaumont | $241 | $2,893 | +13% |
| Redfield | $219 | $2,628 | +3% |
| Savonburg | $211 | $2,533 | -1% |
| Yates Center | $210 | $2,516 | -1% |
| Cedar Point | $211 | $2,537 | -1% |
| Le Roy | $210 | $2,518 | -1% |
| Neosho Rapids | $206 | $2,476 | -3% |
| Denison | $214 | $2,570 | +1% |
| Miltonvale | $216 | $2,595 | +2% |
| Minneapolis | $208 | $2,493 | -2% |
| Sylvan Grove | $224 | $2,693 | +5% |
| Athol | $235 | $2,816 | +10% |
| Burr Oak | $229 | $2,750 | +7% |
| Hanover | $215 | $2,576 | +1% |
| Morrowville | $215 | $2,582 | +1% |
| Scandia | $217 | $2,599 | +2% |
| Smith Center | $235 | $2,818 | +10% |
| Andover | $220 | $2,645 | +4% |
| Belle Plaine | $218 | $2,612 | +2% |
| Burrton | $212 | $2,548 | -0% |
| New Cambria | $196 | $2,353 | -8% |
| Wakefield | $210 | $2,516 | -1% |
| Bazine | $228 | $2,738 | +7% |
| Chase | $232 | $2,781 | +9% |
| Ransom | $231 | $2,773 | +8% |
| Sterling | $227 | $2,727 | +7% |
| Jennings | $230 | $2,755 | +8% |
| Palco | $242 | $2,905 | +13% |
| Havana | $220 | $2,642 | +3% |
| Tyro | $244 | $2,926 | +14% |
| Aurora | $217 | $2,601 | +2% |
| Beloit | $228 | $2,732 | +7% |
| Durham | $204 | $2,446 | -4% |
| Lindsborg | $197 | $2,358 | -8% |
| Marquette | $201 | $2,418 | -5% |
| Portis | $230 | $2,757 | +8% |
| Roxbury | $196 | $2,357 | -8% |
| Tipton | $229 | $2,746 | +7% |
| Wilson | $230 | $2,756 | +8% |
| Arlington | $206 | $2,472 | -3% |
| Brownell | $231 | $2,770 | +8% |
| Hoisington | $234 | $2,810 | +10% |
| Nekoma | $235 | $2,815 | +10% |
| Stafford | $235 | $2,821 | +10% |
| Bogue | $230 | $2,760 | +8% |
| Paradise | $218 | $2,615 | +2% |
| Phillipsburg | $241 | $2,887 | +12% |
| Cherryvale | $223 | $2,672 | +5% |
| Dearing | $246 | $2,951 | +14% |
| Assaria | $194 | $2,331 | -9% |
| Clay Center | $214 | $2,569 | +1% |
| Delphos | $212 | $2,546 | -0% |
| Hunter | $229 | $2,751 | +7% |
| Solomon | $202 | $2,427 | -5% |
| Talmage | $202 | $2,430 | -5% |
| Tescott | $203 | $2,436 | -5% |
| Liberty | $222 | $2,665 | +4% |
| Holyrood | $230 | $2,760 | +8% |
| Little River | $228 | $2,731 | +7% |
| Tampa | $204 | $2,444 | -4% |
| Seneca | $202 | $2,427 | -5% |
| Bronson | $221 | $2,647 | +4% |
| Grainfield | $233 | $2,796 | +9% |
| Liberal | $243 | $2,913 | +13% |
| Prescott | $220 | $2,638 | +3% |
| Emporia | $206 | $2,469 | -3% |
| Cassoday | $218 | $2,611 | +2% |
| Hamilton | $220 | $2,635 | +3% |
| Marion | $204 | $2,446 | -4% |
| Belleville | $217 | $2,602 | +2% |
| Jamestown | $222 | $2,666 | +4% |
| Palmer | $217 | $2,603 | +2% |
| Arkansas City | $218 | $2,612 | +2% |
| Woodbine | $202 | $2,423 | -5% |
| Beeler | $229 | $2,746 | +7% |
| Claflin | $231 | $2,769 | +8% |
| Inman | $202 | $2,421 | -5% |
| Larned | $239 | $2,866 | +12% |
| Liebenthal | $234 | $2,813 | +10% |
| Ness City | $233 | $2,794 | +9% |
| Rozel | $237 | $2,842 | +11% |
| Turon | $213 | $2,554 | +0% |
| Almena | $239 | $2,869 | +12% |
| Alton | $232 | $2,784 | +9% |
| Glade | $239 | $2,863 | +11% |
| South Hutchinson | $206 | $2,473 | -3% |
| Abbyville | $205 | $2,466 | -3% |
| Belpre | $234 | $2,811 | +10% |
| Burdett | $235 | $2,818 | +10% |
| Mc Cracken | $235 | $2,819 | +10% |
| Pawnee Rock | $232 | $2,789 | +9% |
| Bunker Hill | $219 | $2,628 | +3% |
| Macksville | $233 | $2,794 | +9% |
| Dorrance | $218 | $2,618 | +3% |
| Plainville | $241 | $2,888 | +12% |
| Grenola | $212 | $2,539 | -1% |
| Salina | $194 | $2,324 | -9% |
| Beverly | $221 | $2,654 | +4% |
| Bushton | $232 | $2,779 | +8% |
| Thayer | $221 | $2,649 | +4% |
| Walnut | $219 | $2,633 | +3% |
| Council Grove | $210 | $2,526 | -1% |
| Madison | $222 | $2,667 | +4% |
| Neal | $242 | $2,906 | +13% |
| White City | $206 | $2,470 | -3% |
| Jewell | $231 | $2,773 | +8% |
| Kensington | $236 | $2,826 | +10% |
| Republic | $216 | $2,592 | +2% |
| Baileyville | $202 | $2,429 | -5% |
| Burlingame | $208 | $2,494 | -2% |
| Carbondale | $204 | $2,451 | -4% |
| Delia | $212 | $2,542 | -0% |
| Eskridge | $213 | $2,550 | -0% |
| Goff | $204 | $2,454 | -4% |
| Junction City | $196 | $2,351 | -8% |
| Herndon | $233 | $2,791 | +9% |
| Selden | $234 | $2,807 | +9% |
| Dighton | $230 | $2,756 | +8% |
| Byers | $233 | $2,795 | +9% |
| Hesston | $207 | $2,479 | -3% |
| Lake City | $232 | $2,789 | +9% |
| Milton | $213 | $2,556 | +0% |
| Moundridge | $196 | $2,352 | -8% |
| Mount Hope | $211 | $2,532 | -1% |
| Rosalia | $217 | $2,602 | +2% |
| Severy | $223 | $2,671 | +5% |
| Whitewater | $217 | $2,599 | +2% |
| Wilmore | $235 | $2,822 | +10% |
| Edson | $232 | $2,787 | +9% |
| Highland | $207 | $2,484 | -3% |
| Perry | $209 | $2,512 | -2% |
| Winchester | $211 | $2,537 | -1% |
| Maple Hill | $207 | $2,489 | -3% |
| Milford | $194 | $2,326 | -9% |
| Olsburg | $207 | $2,490 | -2% |
| Oneida | $204 | $2,446 | -4% |
| Mission | $203 | $2,431 | -5% |
| Blue Rapids | $213 | $2,554 | +0% |
| Everest | $204 | $2,454 | -4% |
| Fairview | $203 | $2,430 | -5% |
| Marysville | $208 | $2,500 | -2% |
| Gove | $231 | $2,773 | +8% |
| Grinnell | $231 | $2,772 | +8% |
| Levant | $231 | $2,767 | +8% |
| Copeland | $237 | $2,845 | +11% |
| Fort Dodge | $240 | $2,878 | +12% |
| Hanston | $240 | $2,878 | +12% |
| Wright | $243 | $2,915 | +13% |
| Rolla | $240 | $2,877 | +12% |
| Bucyrus | $206 | $2,469 | -3% |
| Cummings | $208 | $2,501 | -2% |
| Clearview City | $221 | $2,652 | +4% |
| Elbing | $238 | $2,851 | +11% |
| Norwich | $226 | $2,714 | +6% |
| Oxford | $215 | $2,583 | +1% |
| Piedmont | $224 | $2,683 | +5% |
| Sharon | $233 | $2,797 | +9% |
| Spivey | $225 | $2,701 | +6% |
| Sun City | $234 | $2,812 | +10% |
| Cambridge | $217 | $2,601 | +2% |
| Coats | $236 | $2,828 | +10% |
| Geuda Springs | $213 | $2,561 | +0% |
| Colwich | $211 | $2,536 | -1% |
| Greenwich | $216 | $2,586 | +1% |
| Halstead | $210 | $2,515 | -1% |
| Haviland | $235 | $2,814 | +10% |
| Kiowa | $234 | $2,804 | +9% |
| Newton | $208 | $2,502 | -2% |
| South Haven | $215 | $2,584 | +1% |
| Viola | $215 | $2,584 | +1% |
| Fort Riley | $199 | $2,385 | -7% |
| Lyndon | $209 | $2,506 | -2% |
| Easton | $211 | $2,532 | -1% |
| Fontana | $211 | $2,537 | -1% |
| Lawrence | $194 | $2,331 | -9% |
| Nortonville | $212 | $2,547 | -0% |
| Ozawkie | $211 | $2,531 | -1% |
| Princeton | $207 | $2,488 | -3% |
| Richmond | $208 | $2,496 | -2% |
| Williamsburg | $208 | $2,495 | -2% |
| Mound City | $222 | $2,659 | +4% |
| Olathe | $193 | $2,319 | -10% |
| Pleasanton | $220 | $2,640 | +3% |
| Wathena | $206 | $2,471 | -3% |
| Woodston | $237 | $2,845 | +11% |
| Atwood | $234 | $2,804 | +9% |
| Ford | $240 | $2,882 | +12% |
| Healy | $230 | $2,757 | +8% |
| Holcomb | $240 | $2,885 | +12% |
| Marienthal | $235 | $2,819 | +10% |
| Montezuma | $240 | $2,879 | +12% |
| Ulysses | $237 | $2,849 | +11% |
| Kendall | $239 | $2,873 | +12% |
| Tribune | $233 | $2,794 | +9% |
| Moscow | $237 | $2,846 | +11% |
| Basehor | $207 | $2,489 | -3% |
| Edgerton | $189 | $2,263 | -12% |
| Admire | $207 | $2,480 | -3% |
| Hartford | $209 | $2,509 | -2% |
| Matfield Green | $211 | $2,538 | -1% |
| Virgil | $221 | $2,646 | +4% |
| Argonia | $220 | $2,645 | +4% |
| Attica | $232 | $2,780 | +9% |
| Benton | $218 | $2,621 | +3% |
| Arnold | $230 | $2,756 | +8% |
| Great Bend | $235 | $2,821 | +10% |
| Pretty Prairie | $208 | $2,491 | -2% |
| Saint John | $235 | $2,818 | +10% |
| Hays | $213 | $2,562 | +0% |
| Damar | $241 | $2,892 | +12% |
| Ellis | $215 | $2,577 | +1% |
| Norton | $237 | $2,845 | +11% |
| Riverton | $221 | $2,655 | +4% |
| Cottonwood Falls | $212 | $2,544 | -0% |
| Dwight | $210 | $2,514 | -2% |
| Gridley | $208 | $2,494 | -2% |
| Lebo | $206 | $2,478 | -3% |
| Clifton | $216 | $2,586 | +1% |
| Burden | $219 | $2,627 | +3% |
| Weir | $219 | $2,623 | +3% |
| Esbon | $226 | $2,711 | +6% |
| Randall | $225 | $2,698 | +6% |
| Washington | $213 | $2,559 | +0% |
| Clearwater | $216 | $2,587 | +1% |
| Conway Springs | $219 | $2,628 | +3% |
| Harper | $227 | $2,723 | +6% |
| Kingman | $227 | $2,719 | +6% |
| Lehigh | $201 | $2,418 | -5% |
| Medicine Lodge | $235 | $2,825 | +10% |
| Albert | $231 | $2,776 | +8% |
| Offerle | $237 | $2,848 | +11% |
| Rush Center | $235 | $2,816 | +10% |
| Hill City | $231 | $2,777 | +8% |
| Kirwin | $240 | $2,881 | +12% |
| Lenora | $232 | $2,784 | +9% |
| Logan | $244 | $2,925 | +14% |
| Morland | $227 | $2,721 | +6% |
| Wakeeney | $228 | $2,737 | +7% |
| Stark | $219 | $2,628 | +3% |
| Toronto | $210 | $2,521 | -1% |
| Uniontown | $219 | $2,633 | +3% |
| Allen | $206 | $2,474 | -3% |
| Elmdale | $209 | $2,512 | -2% |
| Clyde | $220 | $2,635 | +3% |
| Cuba | $216 | $2,589 | +1% |
| Mankato | $225 | $2,704 | +6% |
| Atlanta | $219 | $2,630 | +3% |
| Reading | $205 | $2,462 | -4% |
| Agenda | $216 | $2,587 | +1% |
| Greenleaf | $215 | $2,583 | +1% |
| Hollenberg | $214 | $2,571 | +1% |
| Mahaska | $214 | $2,568 | +1% |
| Norway | $217 | $2,609 | +2% |
| Saint Paul | $219 | $2,630 | +3% |
| Olpe | $206 | $2,466 | -3% |
| Waverly | $210 | $2,524 | -1% |
| Cherokee | $218 | $2,611 | +2% |
| Fredonia | $212 | $2,548 | -0% |
| Galena | $221 | $2,654 | +4% |
| Frankfort | $212 | $2,541 | -0% |
| Grantville | $211 | $2,531 | -1% |
| Harveyville | $208 | $2,491 | -2% |
| Netawaka | $207 | $2,489 | -3% |
| Oketo | $207 | $2,483 | -3% |
| Sabetha | $201 | $2,417 | -5% |
| Whiting | $208 | $2,501 | -2% |
| La Harpe | $211 | $2,529 | -1% |
| Neodesha | $210 | $2,516 | -1% |
| Opolis | $237 | $2,839 | +11% |
| Pittsburg | $216 | $2,595 | +2% |
| Bern | $204 | $2,443 | -4% |
| Centerville | $217 | $2,600 | +2% |
| Effingham | $209 | $2,504 | -2% |
| Bartlett | $220 | $2,645 | +4% |
| Coffeyville | $225 | $2,702 | +6% |
| Howard | $213 | $2,553 | +0% |
| Enterprise | $203 | $2,436 | -5% |
| Morganville | $214 | $2,571 | +1% |
| Wilsey | $206 | $2,468 | -3% |
| Formoso | $229 | $2,742 | +7% |
| Lebanon | $239 | $2,863 | +11% |
| Narka | $214 | $2,567 | +1% |
| Webber | $226 | $2,718 | +6% |
| Powhattan | $204 | $2,449 | -4% |
| Robinson | $205 | $2,463 | -4% |
| Saint George | $202 | $2,424 | -5% |
| Saint Marys | $203 | $2,439 | -5% |
| Soldier | $208 | $2,497 | -2% |
| Fort Scott | $216 | $2,591 | +2% |
| Mc Donald | $231 | $2,768 | +8% |
| Oakley | $226 | $2,716 | +6% |
| Garden City | $243 | $2,922 | +13% |
| Johnson | $238 | $2,858 | +11% |
| Scott City | $231 | $2,777 | +8% |
| Richfield | $239 | $2,873 | +12% |
| Bird City | $233 | $2,794 | +9% |
| Quinter | $230 | $2,762 | +8% |
| Ashland | $239 | $2,868 | +12% |
| Deerfield | $241 | $2,888 | +12% |
| Ingalls | $238 | $2,851 | +11% |
| Hugoton | $236 | $2,835 | +10% |
| Hillsdale | $230 | $2,760 | +8% |
| Kincaid | $212 | $2,547 | -0% |
| Lacygne | $219 | $2,631 | +3% |
| Coldwater | $237 | $2,841 | +11% |
| Dexter | $218 | $2,613 | +2% |
| Garden Plain | $214 | $2,567 | +1% |
| Isabel | $228 | $2,739 | +7% |
| Mayfield | $217 | $2,605 | +2% |
| Rock | $217 | $2,601 | +2% |
| Rose Hill | $218 | $2,621 | +3% |
| Independence | $223 | $2,677 | +5% |
| Elk Falls | $210 | $2,520 | -1% |
| Gypsum | $194 | $2,330 | -9% |
| Bluff City | $227 | $2,726 | +7% |
| Lecompton | $192 | $2,305 | -10% |
| Sublette | $237 | $2,843 | +11% |
| Atchison | $208 | $2,497 | -2% |
| Alta Vista | $210 | $2,518 | -1% |
| Lincolnville | $205 | $2,460 | -4% |
| Lost Springs | $203 | $2,439 | -5% |
| Courtland | $219 | $2,626 | +3% |
| Andale | $211 | $2,534 | -1% |
| Augusta | $222 | $2,663 | +4% |
| Scammon | $219 | $2,633 | +3% |
| Burdick | $206 | $2,477 | -3% |
| Burlington | $207 | $2,486 | -3% |
| Florence | $209 | $2,513 | -2% |
| Colony | $209 | $2,510 | -2% |
| Greeley | $209 | $2,510 | -2% |
| Ottawa | $207 | $2,489 | -3% |
| Wellsville | $203 | $2,438 | -5% |
| Paxico | $207 | $2,479 | -3% |
| Scranton | $207 | $2,479 | -3% |
| Vermillion | $206 | $2,473 | -3% |
| Wamego | $201 | $2,412 | -6% |
| Wetmore | $205 | $2,459 | -4% |
| Girard | $216 | $2,588 | +1% |
| Iola | $210 | $2,515 | -1% |
| Frontenac | $215 | $2,582 | +1% |
| Circleville | $209 | $2,514 | -2% |
| Prairie Village | $200 | $2,403 | -6% |
| Mc Farland | $229 | $2,744 | +7% |
| Beattie | $208 | $2,495 | -2% |
| Havensville | $202 | $2,430 | -5% |
| Holton | $211 | $2,528 | -1% |
| Bendena | $209 | $2,510 | -2% |
| De Soto | $191 | $2,291 | -11% |
| Fort Leavenworth | $206 | $2,471 | -3% |
| Collyer | $229 | $2,747 | +7% |
| Dresden | $230 | $2,757 | +8% |
| Gaylord | $235 | $2,818 | +10% |
| Pfeifer | $212 | $2,550 | -0% |
| Stockton | $240 | $2,880 | +12% |
| Altamont | $221 | $2,657 | +4% |
| Caney | $224 | $2,683 | +5% |
| Longton | $211 | $2,533 | -1% |
| Ellsworth | $230 | $2,764 | +8% |
| Glen Elder | $231 | $2,776 | +8% |
| Longford | $209 | $2,509 | -2% |
| Blue Mound | $218 | $2,618 | +3% |
| Pomona | $209 | $2,505 | -2% |
| Spring Hill | $193 | $2,311 | -10% |
| Eudora | $192 | $2,303 | -10% |
| Gardner | $189 | $2,270 | -12% |
| Garnett | $209 | $2,508 | -2% |
| Lancaster | $206 | $2,473 | -3% |
| Leavenworth | $209 | $2,513 | -2% |
| Tonganoxie | $209 | $2,504 | -2% |
| Westphalia | $208 | $2,502 | -2% |
| Baldwin City | $193 | $2,315 | -10% |
| Lane | $206 | $2,471 | -3% |
| Louisburg | $207 | $2,490 | -2% |
| Parker | $218 | $2,621 | +3% |
| Bison | $233 | $2,802 | +9% |
| Olmitz | $231 | $2,767 | +8% |
| Utica | $231 | $2,771 | +8% |
| Clayton | $231 | $2,777 | +8% |
| Victoria | $213 | $2,562 | +0% |
| Bonner Springs | $206 | $2,468 | -3% |
| Lansing | $206 | $2,472 | -3% |
| Linwood | $210 | $2,516 | -1% |
| Osawatomie | $213 | $2,561 | +0% |
| Oskaloosa | $210 | $2,521 | -1% |
| Rantoul | $206 | $2,467 | -3% |
| Valley Falls | $212 | $2,541 | -0% |
| White Cloud | $206 | $2,467 | -3% |
| Denton | $206 | $2,476 | -3% |
| Elwood | $229 | $2,746 | +7% |
| New Century | $191 | $2,293 | -11% |
| Mc Louth | $209 | $2,511 | -2% |
| Muscotah | $207 | $2,484 | -3% |
| Paola | $211 | $2,529 | -1% |
| Welda | $210 | $2,515 | -1% |
| Brewster | $231 | $2,767 | +8% |
| Oberlin | $232 | $2,778 | +8% |
| Weskan | $228 | $2,740 | +7% |
Average car insurance costs by age and gender in Kansas
A few states have passed regulations forbidding insurance companies from using your age or gender in their underwriting algorithms, but not Kansas. Generally, the younger you are, the higher your car insurance premium. Additionally, men typically pay more for car insurance than women. However, the premium gap between genders tends to narrow the older you get, and you might notice an uptick in rates after you turn 70 when age-related diseases could put you at higher risk of an accident.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in KS
$5,412
|
Average minimum coverage premium in KS
$1,539
|
|
Age 18
|
Average annual full coverage premium in KS
$7,398
|
Average minimum coverage premium in KS
$2,095
|
|
Age 20
|
Average annual full coverage premium in KS
$5,632
|
Average minimum coverage premium in KS
$1,404
|
|
Age 25
|
Average annual full coverage premium in KS
$3,267
|
Average minimum coverage premium in KS
$765
|
|
Age 30
|
Average annual full coverage premium in KS
$2,800
|
Average minimum coverage premium in KS
$643
|
|
Age 40
|
Average annual full coverage premium in KS
$2,582
|
Average minimum coverage premium in KS
$611
|
|
Age 50
|
Average annual full coverage premium in KS
$2,332
|
Average minimum coverage premium in KS
$564
|
|
Age 60
|
Average annual full coverage premium in KS
$2,203
|
Average minimum coverage premium in KS
$558
|
|
Age 70
|
Average annual full coverage premium in KS
$2,306
|
Average minimum coverage premium in KS
$634
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in KS
$4,856
|
Average minimum coverage premium in KS
$1,462
|
|
Age 18
|
Average annual full coverage premium in KS
$6,869
|
Average minimum coverage premium in KS
$1,957
|
|
Age 20
|
Average annual full coverage premium in KS
$4,994
|
Average minimum coverage premium in KS
$1,338
|
|
Age 25
|
Average annual full coverage premium in KS
$3,038
|
Average minimum coverage premium in KS
$765
|
|
Age 30
|
Average annual full coverage premium in KS
$2,670
|
Average minimum coverage premium in KS
$655
|
|
Age 40
|
Average annual full coverage premium in KS
$2,495
|
Average minimum coverage premium in KS
$630
|
|
Age 50
|
Average annual full coverage premium in KS
$2,183
|
Average minimum coverage premium in KS
$578
|
|
Age 60
|
Average annual full coverage premium in KS
$2,131
|
Average minimum coverage premium in KS
$560
|
|
Age 70
|
Average annual full coverage premium in KS
$2,230
|
Average minimum coverage premium in KS
$622
|
Bankrate’s take: Rates for male drivers tend to be slightly higher than for female drivers because statistics show that men are more likely to be involved in accidents than women while behind the wheel. Male drivers also are more likely to engage in risky practices such as driving while impaired and not using seat belts, according to data from the Insurance Institute for Highway Safety. The difference in premium rates narrows as drivers age, and is minimal for older drivers.
Cost considerations for young drivers in Kansas
Statistics show that teens get into nearly four times as many car accidents as any other age group. Due to their propensity for risk-taking, teens and young adults pay some of the most expensive car insurance rates. However, these drivers could save significant money by being listed on their parents’ policy rather than taking out one of their own. Not all young drivers will qualify for this, though, so for more information, parents may want to contact their agent.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in KS
$5,165
|
|
Age 17
|
Avg. annual premium for drivers in KS
$4,779
|
|
Age 18
|
Avg. annual premium for drivers in KS
$4,381
|
|
Age 19
|
Avg. annual premium for drivers in KS
$3,973
|
|
Age 20
|
Avg. annual premium for drivers in KS
$3,776
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in KS
$7,084
|
|
Age 19
|
Avg. annual premium for drivers in KS
$5,765
|
|
Age 20
|
Avg. annual premium for drivers in KS
$5,274
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 62 percent more |
| Age 19 | 45 percent more |
| Age 20 | 43 percent more |
* 18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Kansas?
In determining how much is car insurance in Kansas, risk factors play a significant role. A driver with no infractions typically enjoys lower rates, reflecting a lower risk profile. Conversely, a driver with infractions like speeding tickets is seen as a higher risk, potentially leading to increased premiums. The impact is even more pronounced for serious offenses such as DUIs. For example, in Kansas, a driver with a single DUI conviction could see their rates surge by an average of 69 percent more compared to someone with a clean driving record.
The table below shows the average increase that drivers can expect to pay after they have been convicted of a driving offense.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in KS
$2,552
|
Percentage increase from KS avg. annual premium*
0%
|
|
Avg. annual premium* in KS
$3,040
|
Percentage increase from KS avg. annual premium*
19%
|
|
|
Avg. annual premium* in KS
$3,432
|
Percentage increase from KS avg. annual premium*
34%
|
|
|
Avg. annual premium* in KS
$4,313
|
Percentage increase from KS avg. annual premium*
69%
|
Car insurance rates in Kansas by credit score
Kansas allows car insurance companies to use your credit-based insurance score as a rating factor. Statistically speaking, drivers with lower credit scores tend to file more claims. To offset this risk, car insurance companies typically charge this segment of drivers higher rates. If you compare the average full coverage premium in Kansas for a driver convicted of a DUI with the average rate for a driver with a poor credit score, you’ll notice that the rates are very close to the same.
This table shows clearly how rates increase as a driver's credit score decreases.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in KS
$5,348
|
Percentage difference from KS avg. annual premium*
112%
|
|
|
Average
|
Avg. annual premium* in KS
$2,790
|
Percentage difference from KS avg. annual premium*
10%
|
|
Avg. annual premium* in KS
$2,525
|
Percentage difference from KS avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in KS
$2,061
|
Percentage difference from KS avg. annual premium*
-18%
|
Kansas car insurance rates by vehicle type
The type of vehicle you drive also has a hand in how much you pay for coverage. Sports cars, luxury vehicles and large trucks usually cost the most to insure. However, there are always exceptions to the rule. For instance, Kia and Hyundai owners might find an upcoming increase in their car insurance premiums not because their vehicles are especially fast or exotic but because they may be easily stolen. Below, we’ve listed some common vehicles to help provide a baseline if you’re shopping for new insurance. If you are in the market for a new car, you may find it helpful to quote each make and model you’re considering to get a better idea of your insurance costs.
|
|
|
|---|---|
|
Avg. annual premium* in KS
$2,552
|
|
|
Avg. annual premium* in KS
$2,479
|
|
|
Avg. annual premium* in KS
$2,274
|
|
|
BMW 330i
|
Avg. annual premium* in KS
$3,164
|
|
Toyota Prius
|
Avg. annual premium* in KS
$2,734
|
Estimate your car insurance cost in Kansas
Having a rough estimate of what you're likely to pay for your policy can come in handy when you're looking for the most affordable coverage for your vehicle. Bankrate's handy calculator can help you do the math for this. Just input a few key personal facts and it will give you an estimate that you can use as a benchmark when you are gathering quotes for your policy.
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How to save on car insurance in Kansas
Although many drivers might find car insurance rates in Kansas cheaper than average, you could save a little more by executing some of the following strategies:
- Take advantage of discounts: Maximize your savings by exploring common discounts offered by most carriers, such as vehicle safety, bundling, paperless billing and paying premiums in full. Regularly review and update your policy, especially at renewal, to ensure you're taking advantage of all eligible discounts and any new ones that may become available.
- Practice safe driving habits: Auto insurers typically award safe drivers the lowest base premiums, and you might get a safe driver discount, too. Safe drivers may also want to consider signing up for a telematics program, which might save a hefty amount if you prove yourself to be a safe and careful driver.
- Work on your credit score: Car insurance rates in Kansas can depend on your credit score, and in this state, drivers with poor credit typically pay 66 percent more on average than drivers with good credit. Improving your credit score isn’t something that happens overnight, but taking small steps to achieve this goal can make an incredible impact on your car insurance bill.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.